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At-Tasharruf: Jurnal Ekonomi dan Bisnis Syariah
Published by Universitas Muhammadiyah Jember
ISSN : 26852802     EISSN : 2715369X     DOI : https://doi.org/10.32528/at
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal At-Tasharruf adalah Jurnal Kajian Ekonomi dan Bisnis Syariah yang diterbitkan oleh Universitas Muhammadiyah Jember, dan dikelola oleh Program Studi Ekonomi Syari’ah. Jurnal At-Tasharruf memuat hasil penelitian dan artikel ilmiah para dosen, mahasiswa, dan peneliti yang berkaitan dengan kajian Muamalah, Ekonomi dan Bisnis Syariah, Perbankan Syariah, Lembaga Keuangan Syari’ah, Filantropi Islam, dan Pemikiran Para Tokoh Ekonomi Syari’ah.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 31 Documents
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Kinerja Perbankan Syariah: Analisis Bibliometrik Tahun 2000-2021 Rofiul Wahyudi; Dhofir Catur Bashori; Mubarok, Ferry Khusnul; Ananda, Oktaviola Putri
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol. 5 No. 1 (2023): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v5i1.698

Abstract

Penelitian ini bertujuan untuk mengetahui penelitian tentang kinerja perbankan syariah pada tahun 2000-2021 dengan pendekatan bibliometrik berdasarkan Co-authorship dan Analisis Co-occurrence. Co-authorship dilakukan untuk mengetahui analisis jaringan dalam hubungan kolaborasi ilmiah. sementara analisis Co-occurrence dilakukkan untuk mengetahui status terkini tentang tema yang muncul dalam suatu bidang studi berdasarkan kejadian bersama kata kunci yang saling terkait. Metode penelitian yang digunakan Deskripsi kuantitatif dengan pendekatan analisis bibliometrik. Temuan penelitian berdasarkan analisis Co-Authorship menggunakan bibliometrik hasil penelitian menunjukkan bahwa hassan m.k adalah pengarang terbanyak dan Institute of islamic banking and finance, international islamic university malaysia, kuala lumpur, Malaysia merupakan organisasi terbanyak kemudian kontribusi negara terbanyak malaysia. Dan analisis Co-occurrence menggunakan bibliometrik hasil penelitian menunjukkan bahwa perbankan islam merupakan kata kunci terbanyak dan perbankan merupakan index keywords terbanyak. Visualisasi bibliometrik peta jaringan berdasarkan Co-authorship terbagi menjadi 16 klaster dan peta jaringan berdasarkan Co-occurrence terbagi menjadi 9 klaster
An Analysis of Economic Policies Implemented by Prophet Muhammad during His Governance in Madinah: A Comparative Study with Capitalist and Socialist Economic Systems Haisy, Noorwahidah
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol. 5 No. 1 (2023): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v5i1.724

Abstract

This study aims to examine and analyze the economic policies implemented by Prophet Muhammad during his governance in Madinah, and to compare them with capitalist and socialist economic systems. Through an analysis of historical sources and existing research on Islamic economics, capitalism, and socialism, this study aims to shed light on the distinct characteristics of Prophet Muhammad's economic policies. The research focuses on seven crucial aspects, including the market mechanism, prohibition of interest, uncertain transactions, hoarding and monopoly, and more. By uncovering these aspects, the study reveals the unique principles of Islamic economics, which prioritize ethical and moral considerations in economic transactions and reject the notion of interest. Additionally, it highlights the Prophet's implementation of a market system that fosters free competition, cooperation, and equitable exchange, while discouraging monopolistic practices. By presenting these findings, the study contributes to a better understanding of the disparities between Prophet Muhammad's economic policies and the frameworks of capitalism and socialism.
Carbonless Service: Suatu Telaah Mewujudkan Green Economy Pada Industri Perbankan Syariah Indonesia Adhi Purba, Ilyas; Zuraidah
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol. 5 No. 1 (2023): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v5i1.764

Abstract

Saat ini permasalahan besar yang terjadi pada alam terkait kondisi pencemaran lingkungan. Pemanasan global merupakan salah satu wujud adanya perubahan iklim di dunia ini. Kegiatan manusia merupakan faktor utama terhadap ketidakseimbangan alam, termasuk terjadinya kerusakan lingkungan. Banyak sekali aktivitas ekonomi yang menghasilkan emisi karbon dalam praktiknya sehari-hari. Salah satunya pada industri keuangan seperti Perbankan Syariah. Penelitian ini ingin menunjukkan strategi dalam mewujudkannya carbonless service bagi industri perbankan syariah di Indonesia sebagai dukungan atas konsep green economy. Penelitian termasuk jenis penelitian kualitatif deskriptif, melalui pembahasan permasalahannya secara induktif. Analisis dilakukan menggunakan studi literatur baik dari data, teori buku, ataupun dari hasil penelitian terdahulu. Hasil penelitian ini menjelaskan bahwa beberapa langkah dalam upaya mewujudkan carbonless service antara lain pertama menciptakan konsep paperless service dengan pemanfaatan teknologi digital perbankan seperti mobile banking. Kedua perhatian kepada aspek pembangunan gedung kantor yang menggunakan prinsip green building. Ketiga konsep reuse dalam mengurangkan sampah plastik yang dapat meningkatkan emisi karbon. Keempat penghematan energi atas kegiatan operasional di kantor demi mengurangi timbul nya karbon seperti dari AC.
Blue Sukuk dan Kontribusinya Terhadap Keberlangsungan Ekosistem Laut di Indonesia Imroatus Sholiha; Hasanah, Mifatahul; Oktaviani, Lusi
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol. 5 No. 1 (2023): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v5i1.833

Abstract

Indonesia is a maritime country where most of the people are fishermen. Indonesia also has potential seas, but due to unstructured management, poverty still plagues the people around the seas. The blue economy is promoted to protect marine ecosystems from damage and for the welfare of coastal communities. The blue economy needs to be supported by sharia financial instruments for funding so that the blue economy is realized properly, these instruments can use blue sukuk. This study aims to examine how blue sukuk is applied in Indonesia as a basis for strengthening the economy of coastal communities. This study uses literature research by seeking information from several related literatures and is presented qualitatively. The results found that if blue sukuk is issued it will encourage the blue economy program that has been launched by the government, especially for strengthening coastal communities. 1.3 million people in coastal communities are still below the poverty line. The management and protection of marine ecosystems need to be encouraged and there needs to be a supporting financial instrument that can use blue sukuk.
Penerapan Akad Wakalah Pada Transaksi Financial Teknologi Dengan Menggunakan Produk Dompet Digital (LinkAja Syariah) Shodiqin, Dimas Herliandis; Nur, Kayyis
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol. 5 No. 1 (2023): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v5i1.839

Abstract

Pertumbuhan teknologi dan informasi menuntut Perbankan untuk meningkatkan model pelayanan secara digital. Berbagai model aplikasi digital sudah dapat diakses oleh masyarakat dalam berbagai transaksi perbankan. Aplikasi yang digunakan dapat meningkatkan pelayanan masyarakat secara cepat dan tepat. Linkaja syariah sebagai salah satu layanan digital kuangan Syariah digagas saat Linkaja Syariah sebagai salah satu aplikasi yang aman dan sesuai dengan ketentuan Syariah. penggunaan akad wakalah dalam pengaplikasikan Linkaja syariah memberikan jaminan hukum kehalalan penggunaan aplikasi tersebut. Tentu dengan adanya aplikasi Linkaja syariah, masyarakat tidak takut dalam bertransaksi secara digital karena didukung dengan kesesuaian bentuk transaksi dengan penggunaan akad wakalah.
Pemberdayaan Ekonomi Melalui Akad Qardul Hasan Pada KSU BMT Al-Mawaddah Bangsalsari Jember Berdasarkan Fatwa DSN-MUI No.19/DSN-MUI/IV/2001 Syafii, Muhammad; Herliandis, Dimas
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol. 5 No. 1 (2023): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v5i1.840

Abstract

Microeconomic empowerment is a program carried out by the central government to local governments. The existence of MSMEs in each region is experiencing rapid development, but this is not matched by the existence of adequate capital, or the lack of financial institutions that can support the existence of MSMEs. Therefore, an Islamic microfinance institution named the Baitul Maal Wat At-Tamwil institution emerged with one of the MSME development products, namely the Qardul Hasan contract (financing agreement without excess funds in return) and BMT Al-Mawaddah, Bangsalsari sub-district, which is one of the sharia financial institutions that have Qardul Hasan products. The formulation of the problem seeks to explain the application of the Qardul Hasan product and the conformity of the product with existing regulations. This type of qualitative research with data collection techniques using observation, interviews and documentation, the data collected was analyzed by descriptive method and the validity of the data using the method of persistence and constancy of observation. The results of the study explained that the Qardul Hasan contract at BMT Al-Mawaddah was running in accordance with the DSN-MUI Fatwa rules No.19/DSN-MUI/IV/2001, but it was not optimal for the object of Qardul Hasan's product recipients in developing the MSME sector. Because the recipients of the Qardul Hasan product contract are still minimal and have not spread personally. Suggestions for institutions are to maximize product recipients and apply sanctions so that there is an educational effect for members and institutional assets can rotate optimally.
Strategi Penjualan di Aplikasi Tik Tok Dalam Perspektif Pemasaran Konvensional dan Pemasaran Syariah Oktaviani, Lusi; Anwar, Zainul; Sholiha, Imroatus
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol. 5 No. 2 (2023): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v5i2.1022

Abstract

At the beginning of its emergence, TikTok was used as an entertainment medium for creation and for showing expression. However over time TikTok innovated in the form of TikTok Shop program which was also supported by attractive features—one of which was live streaming. Live streaming drives the number of TikTok users, especially TikTok shop users. Many competitors required the sellers on TikTok to implement strategies to market their products because marketing is the most important line in a business. There are several studies related to this research, but this research was deliberately written to find out how the sales strategy in TikTok which has been widely used and studied based on conventional and sharia marketing strategy. This research is a library research concentrating data sources on books, articles, journals, and etc. TikTok shop uses a marketing mix promotion strategy by using product strategy, pricing strategy, distribution strategy, and promotion strategy. Sales on TikTok also applies sharia marketing theory: the four characteristics, namely fathonah, amanah, shiddiq, and tabligh even though not all sellers apply it due to their various religions as well as their understanding of Islam. Therefore future researchers can carry internalization of understanding of the Islamic religion, especially in terms of mu'amalahAt the beginning of its emergence, TikTok was used as an entertainment medium for creation and for showing expression. However over time TikTok innovated in the form of TikTok Shop program which was also supported by attractive features—one of which was live streaming. Live streaming drives the number of TikTok users, especially TikTok shop users. Many competitors required the sellers on TikTok to implement strategies to market their products because marketing is the most important line in a business. There are several studies related to this research, but this research was deliberately written to find out how the sales strategy in TikTok which has been widely used and studied based on conventional and sharia marketing strategy. This research is a library research concentrating data sources on books, articles, journals, and etc. TikTok shop uses a marketing mix promotion strategy by using product strategy, pricing strategy, distribution strategy, and promotion strategy. Sales on TikTok also applies sharia marketing theory: the four characteristics, namely fathonah, amanah, shiddiq, and tabligh even though not all sellers apply it due to their various religions as well as their understanding of Islam. Therefore future researchers can carry internalization of understanding of the Islamic religion, especially in terms of mu'amalah
Analisis Kinerja Portofolio Optimal Pada Saham Yang Terdaftar di Jakarta Islamic Index (JII) Pada Masa Pandemi Covid-19 Qadarin, Maryam; Rafi, Zainur; Md Pazil, Afifah Hanim
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol. 5 No. 2 (2023): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v5i2.1055

Abstract

The decline in IHSG performance during Covid-19 pandemic period increased investors’ concern to invest in portfolios. This article aims to determine which stocks include the optimal portfolio and a large presentation of proportions, expected return rates and investment risks to be obtained in each of these shares and how the portfolio performance is optimized. 16 companies listed in the Jakarta Islamic Index (JII) from 2020 to 2021 and have never delegated for three periods were analyzed with Single Index Model to determine the optimal portfolio and RVOL to measure its performance. The results of the study showed six qualified shares form an optimal portfolio namely Aneka Tambang with a proportion of funds of 27% and a share performance of 0.057164791, Surya Citra Media with a proportion of 24% and a share performance of 0.006916892, Vale Indonesia of 20% and a share performance of 0.010239808, United Tractors of 15% and a share performance of -0.057674556, AKR Corporindo of 12% and a share performance of -0.082656883, and Adaro Energy of 2% and a share performance of -2.627991592. Of the overall stock forming the optimal portfolio has the expected return rate of 0.09408136 or 9.408% and portfolio risk of 0.021037694 or 2.104%
Strategi Pengembangan Investasi Pasar Uang Syariah Pada Bank Syariah di Indonesia Arief, Zaenal; Agus Taruno; Harisah; Rahmat Dahlan; Rahmawati
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol. 5 No. 2 (2023): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v5i2.1064

Abstract

The sharia money market at Sharia Commercial Banks in Indonesia is a forum for overcomes the liquidity shortage of financial institutions including sharia commercial banks as instruments with sharia principles. The research objective is to describe the BUS investment development strategy in PUAS which is a literature study with qualitative descriptive analysis. The result is there are two strategies, namely creating instruments and designing operational mechanisms.
Relevansi Investasi Ala Rosulullah Di Era Modernisasi Dewi Riza Lisvi Vahlevi
At-Tasharruf "Jurnal Kajian Ekonomi dan Bisnis Syariah" Vol. 5 No. 2 (2023): At-Tasharruf
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/at.v5i2.1081

Abstract

In achieving our good financial dreams in the future, of course we can't just rely on the funds sitting in our savings accounts. Apart from not providing high profits, it can also cause the value of our money to be eroded by inflation. Therefore, it is recommended by financial experts to divert it to investment instruments. But there is a dilemma that Muslims might feel about contemplating whether the investments they are currently making are in accordance with Islamic law. This research uses a qualitative descriptive method, by reviewing investments that are correct and in accordance with what was taught by Rasulullah SAW and its relevance in this modern era. So that people no longer hesitate to invest and can also improve their economy in the future.

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